非法代理维权、恶意逃废债、反催收、征信修复……2025年一季度金融黑灰产市场规模已突破2800亿 元。金融黑灰产乱象丛生，不仅严重侵害消费者信息安全和合法权益，更扰乱金融市场正常秩序，甚至 威胁到国家金融安全。如何有效防范和治理金融黑灰产，亟需全社会相关各方的合力共治。 9月5日，在2025世界智能产业博览会(以下简称：智博会)开幕当天，由重庆市互联网界联合会、打击金 融领域黑产联盟(AIF联盟)、消费金融服务联盟主办的金融安全生态创新发展研讨会成功举办，小恒数 科作为科技金融服务企业受邀出席。凭借多年的科技积淀以及数智化成果积累，小恒数科在打造全流程 一体化科技金融服务体系的同时，构建了"三驾马车"的治理黑灰产全域体系，协助多地警方重拳打击金 融黑灰产，联防共治筑牢金融安全防线，有力维护了金融消费者的信息与财产安全。 2025世界智能产业博览会 破解金融黑灰产 多方协同共治 随着我国金融创新发展呈现蓬勃之势，金融黑灰产也愈发猖獗，呈现利益化、团伙化、产业化，对消费 者信息安全和国家金融安全造成的威胁日趋严峻。事实上，金融黑灰产并非单一犯罪，而是从线下伪装 到技术攻防的全链条博弈，涵盖信息窃取、非法代理、虚假 ...

Group 1 - The People's Bank of China Jiangsu Branch announced a special loan credit limit of 300 billion yuan for the technology sector by 2025 [1] - The Jiangsu Institute of Digital and Technological Finance Research was established to promote financial innovation and integration with the real economy, focusing on areas like quantum security and digital assets [1] - The Jiangsu Technology Finance (Innovation Bond) Service and Promotion Center will provide comprehensive financial services to bond issuers, enhancing the issuance of technology innovation bonds in Jiangsu [1] Group 2 - Financial support policies for technological innovation were interpreted by the People's Bank of China Jiangsu Branch and other regulatory bodies, including the "Patent Industrialization + Equity Subscription" work plan [2] - As of the end of Q1 this year, the balance of technology loans in Jiangsu reached 4.9 trillion yuan, with a year-on-year growth of 13.8%, leading the nation [2] - Loans to high-tech enterprises and technology-based SMEs grew by 24.7% and 23% year-on-year, significantly outpacing the growth of other loan categories [2]

Core Viewpoint - The launch of new policies to enhance the technology finance system in China marks the beginning of a golden era for technology finance, aiming to support high-level technological self-reliance and innovation [1][6]. Policy Initiatives - The new policy measures include the establishment of a national venture capital guidance fund, encouragement for insurance funds to participate in major technological tasks, and the creation of a "technology board" in the bond market [1][4]. - The policies aim to improve the matching and precision of financial support for technological innovation, indicating a more refined top-level design for technology finance in China [1][5]. Industry Growth - The central financial work conference has prioritized technology finance, with a focus on guiding financial capital towards early, small, long-term, and hard technology investments [2][3]. - Companies like Shenzhen Tenfeng Technology Co., Ltd. have rapidly grown due to supportive policies, showcasing the impact of "patient capital" in the early stages of innovation [2][3]. Financial Support Mechanisms - Initiatives like the "Technology Star Loan" in Anhui have provided critical funding to early-stage companies, allowing them to secure financing based on R&D expenses rather than traditional collateral [3][4]. - The implementation of various financial products and services aims to address the challenges faced by small and medium-sized technology enterprises in accessing financial support [4][5]. Challenges and Solutions - Despite the rich array of policies, many small technology companies still struggle to obtain necessary financial support, particularly in converting intellectual property into effective collateral [4][5]. - The new policy measures are designed to tackle structural contradictions in technology finance, focusing on enhancing the financial ecosystem to better support technology enterprises throughout their lifecycle [5][6]. Future Directions - The policies emphasize the need for coordinated efforts among financial, tax, technology, and industrial policies to create a comprehensive support system for innovation [6][7]. - Recommendations include establishing regulatory sandboxes in key regions and creating a national-level technology finance data platform to monitor the effectiveness of policy tools [7].